Metro Bank
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Data as of · sourced from FFIEC call reports. How we update
Metro Bank is an FDIC-insured commercial bank headquartered in Pell City, AL, established in 1989 (FDIC certificate 27510), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.18B, up 2.8% from Q2 2025, the 14th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.68% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27510
- Headquarters
- Pell City, AL
- Established
- 1989
- Total assets, Q2 2026
- $1.18B
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 14.68%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 062204019
- Asset rank in state
- 14th of 93 in Alabama
Problem loans are rising at Metro Bank. The Pell City, Alabama bank had $1.2 billion in assets at June 30, 2026, up 2.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.18% of loans from 0.48% a year earlier. It funds 14.68% of its assets with Tier 1 capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $49 million equal 28% of Tier 1 capital, down from 35% a year earlier. Its $211 million non-owner-occupied commercial real estate book is improving, with 0.33% past due or on nonaccrual, down from 0.88% a year earlier.
As of June 30, 2026, Metro Bank reported a return on assets of 1.65%, a nonperforming-loan ratio of 1.18% and a Texas ratio of 5.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Metro Bank is the 14th largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $1.18B, loans rose 0.4% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 35.4% of total loans, ahead of 1-4 family residential loans at 22.7%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in AL; its Pell City 3 offices book 47% of its branch deposits. Judged on its Q2 2026 call report, Metro Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 800 Martin St S, Pell City, AL 35128
- County
- St. Clair
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 30, 1989
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 159
- Domestic deposits
- $1.01B
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- $548K
- Average total assets
- $1.19B
- Average total loans
- $596.8M
- Average interest-bearing deposits
- $733.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 30, 1989
- FDIC Cert
- 27510
- Fed RSSD
- 1394621
- Website
- http://www.metrobankpc.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Metro Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Metro Bank's total assets ranged from $1.01B (Q3 2023) to $1.20B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.18B total assets against $1.15B; $1.01B total liabilities against $993.1M.
$587.3M net loans and leases against $576.1M; $1.01B total deposits against $985.2M.
$396.7M securities against $387.5M; $152.5M cash and balances due against $162.1M.
$14.7M total interest income against $14.3M; $4.3M total interest expense against $4.3M.
$10.4M net interest income against $10.0M.
$1.4M total noninterest income against $1.2M; $5.6M total noninterest expense against $5.4M.
$120K provision for credit losses against $0.
$4.9M net income against $4.6M.
1.65% return on assets against 1.65%; 3.65% net interest margin against 3.72%.
14.68% tier 1 leverage ratio against 14.42%.
Inside the full Metro Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Metro Bank rankings
Its closest position to the top of a national ranking is 502 of 3,606, for efficiency ratio; its furthest is 368 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.17% (Q1 2026) to 1.70% (Q3 2025) and its net interest margin ran from 3.40% (Q1 2026) to 3.79% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.68% | 1.65% | 1.18% | 5.39% | 3.65% |
| Q1 2026 | 14.43% | 1.17% | 1.65% | 6.17% | 3.40% |
| Q4 2025 | 14.40% | 1.45% | 1.38% | 5.40% | 3.68% |
| Q3 2025 | 14.54% | 1.70% | 0.14% | 1.13% | 3.79% |
| Q2 2025 | 14.42% | 1.65% | 0.48% | 2.05% | 3.72% |
| Q1 2025 | 13.99% | 1.53% | 0.68% | 2.70% | 3.56% |
| Q4 2024 | 13.70% | 1.48% | 0.78% | 3.15% | 3.60% |
| Q3 2024 | 14.88% | 1.64% | 0.58% | 2.24% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Metro Bank (main office) | Pell City , AL | 35128 | $473.5M |
| Heflin Branch | Heflin , AL | 36264 | $128.9M |
| Moody Branch | Moody , AL | 35004 | $126.9M |
| Ashville Branch | Ashville , AL | 35953 | $110.0M |
| Southside Branch | Southside , AL | 35907 | $81.6M |
| Ragland Branch | Ragland , AL | 35131 | $43.5M |
| Lincoln Branch | Lincoln , AL | 35096 | $40.8M |
| Pell City Remote Branch | Pell City , AL | 35125 | $0 |
| Martin Street Branch | Pell City , AL | 35128 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action June 6, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in AL, rank 27 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.7M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Metro Bank
What are Metro Bank's total assets?
As of the Q2 2026 filing, Metro Bank reported total assets of $1.18 billion in its FFIEC call report.
Where is Metro Bank headquartered?
It is headquartered in Pell City, AL, United States.
When was Metro Bank founded?
It was established in 1989, per the FDIC institution directory.
Is Metro Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Metro Bank?
Metro Bank's primary federal regulator is the FDIC.
How many branches does Metro Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Metro Bank's Texas Ratio?
Its Texas Ratio is 5.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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